In the competitive world of real estate investment, access to fast and flexible financing can be the difference between seizing a lucrative opportunity or watching it slip away. A&S Capital’s Residential Bridge Loan is a strategic solution for investors looking to purchase, renovate, refinance, or build residential properties. With the ability to close quickly and terms designed to accommodate both seasoned and first-time borrowers, these loans are tailored for success in a dynamic market.
What Is a Residential Bridge Loan?
A residential bridge loan is a short-term financing option, typically used to “bridge” the gap between acquiring a property and securing long-term financing or selling the asset. A&S Capital offers competitive loans for 1-4 unit residential properties with up to 90% loan-to-cost (LTC) and 75% loan-to-value (LTV), ensuring investors can leverage their capital effectively.
Key benefits include:
- Rapid Closings: Loans close in 1-3 weeks, helping investors move quickly in high-demand markets.
- Flexible Terms: Borrowers pay interest only on funds used, with no prepayment penalties.
- Accessibility: First-time borrowers and international investors are welcome.
Ideal Use Cases for Residential Bridge Loans
- Fix and Flip Projects
For investors focusing on short-term property improvements and resales, bridge loans provide the agility and funding needed to act quickly. With up to 90% LTC, A&S Capital covers most project costs, minimizing upfront outlays. - Purchasing Undervalued Properties
Bridge loans enable investors to purchase properties that may not yet qualify for traditional financing, such as foreclosures or those requiring significant renovations. - Refinancing or Cash-Out Options
Investors can use bridge loans to refinance an existing property, unlocking equity for reinvestment into new projects. - Ground-Up Construction
Whether it’s a single-family home or a multi-unit development, bridge loans offer the financial support to kick-start residential construction projects.
Market Trends Favoring Bridge Loans
Current real estate market conditions underscore the growing relevance of bridge loans. With inventory shortages in many regions, particularly for entry-level homes, investors are turning to value-add opportunities to meet demand. Additionally, higher interest rates have made traditional financing options less attractive for time-sensitive deals, further elevating the appeal of bridge loans.
A&S Capital’s residential bridge loans are particularly well-suited for investors navigating these trends. The ability to close quickly and structure loans flexibly provides a competitive edge, allowing borrowers to capitalize on opportunities in a volatile market.
Competitive Terms and Features
A&S Capital’s Residential Bridge Loan includes:
- Rates Starting at 9.99%
Competitive pricing helps maximize ROI while covering up to 90% of project costs. - No Prepayment Penalties
Borrowers can repay early without incurring additional fees, a significant advantage for short-term projects. - As-Disbursed Interest
Interest is only charged on funds used, keeping carrying costs low. - Fast Processing
A streamlined process allows loans to close in as little as 2-3 weeks, ensuring borrowers don’t miss critical opportunities.
Why Choose A&S Capital?
As a leader in Multifamily lending, having been awarded the best lender of the year in 2021, A&S can help grow your business when you are ready to expand beyond residential properties.
A&S Capital’s commitment to investor success goes beyond financing. The company’s focus on speed, transparency, and flexibility ensures that borrowers receive not only funds but also the confidence to pursue ambitious projects. With a track record of working with both new and experienced investors, A&S Capital is a trusted partner in the real estate space.
Is a Residential Bridge Loan Right for You?
If you’re an investor looking to scale your portfolio, take on new opportunities, or navigate today’s competitive market, a residential bridge loan might be your best option. By leveraging A&S Capital’s tailored solutions, you can minimize upfront costs, reduce project delays, and maximize your returns.
To learn more about how a Residential Bridge Loan can fit into your investment strategy, contact us today.
